Nowadays, you basically need to work with agency to obtain contracts. Some carriers will still allow individual agents to contract directly (without an agency), but you'll likely need to show proof of production.

In general, agents are better off partnering with top-tier agencies like APEX. You won't be giving up commission this way, and you'll receive additional resources like fresh exclusive leads, excellent training and support, and pre-set appointments. With APEX, you don't have to choose between comp or resources -- you get the best of both.

In general, if your agency is pushing you to recruit your friends and family, it's a sign of a possible MLM.

Get licensed, interview several agencies, choose the one you trust, and start getting contracted with carriers. From there, a top-tier agency like APEX will help you obtain leads, provide scripts, and give you a roadmap to success. If your agency isn't offering assistance with those things, you may need to look for a new agency.

Supposedly, the industry average is only 8% of agents succeed. Keep in mind, that number is very inflated due to the large number of MLM-style agencies in insurance.

Joining a solid, reputable agency greatly increases your chances of success. Agencies like APEX that provide top-tier leads, training, and support give agents the best shot at reaching their full potential.